When my salary hit my account last month, I felt that familiar rush — relief, excitement, and a mental checklist of what to pay first. Rent, bills, groceries, a small treat… and before I knew it, I was already counting the days to the next payday.
That’s when I realized something had to change. I wasn’t broke — but I wasn’t building anything either. So this month, I decided to treat my salary differently. Before paying anyone else, I chose to pay myself first — not by saving in a regular account, but by investing.
That’s when I discovered the Cytonn Money Market Fund (CMMF) — a low-risk investment option built for people like me who want their money to grow safely while maintaining access to it. With a minimum investment of just Kshs. 100, it’s easy to start, and with no initial fees, every shilling goes straight to work.
As of September 2025, the Cytonn Money Market Fund delivered an average annualized return of 13.0%, outperforming its benchmark of the 91-day Treasury Bill plus 1.0%. The fund invests in interest-bearing securities, short-term government instruments, and fixed deposits, aiming to provide consistent income while protecting investors’ capital.
Now, every salary week, I automatically move a small portion of my pay into the fund. It’s amazing how quickly it adds up — and how peaceful it feels knowing I’m actually building something. Payday no longer feels like a cycle of spending; it’s become the start of my investment plan.
If you’re an employed professional, salary week is your best opportunity to make a small but powerful decision. Even Kshs. 100 can be the beginning of financial discipline and freedom — one payday at a time.
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